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Year after year, hurricanes strike the coast of Florida, reminding us of the devastating power of nature, and 2024 is no exception. This year, however, we experienced one of the strongest storms in years, and once again, it left proof of the importance of hurricane windows and doors in Jupiter, FL.

To be well-prepared, protecting your home from hurricane windows and having reliable insurance is fundamental. But what many people don’t know is that these two factors actually go hand in hand. Impact windows and doors can provide you with some nice benefits regarding your insurance.

Does Having Hurricane Windows Offer Any Insurance Benefits?

Hurricane windows are specially designed to resist high winds, protecting your home from tropical storms and any flying debris they cause. Because they can withstand the devastating power of nature better, insurers offer discounts for homes that have hurricane windows installed.  

After all, they are less likely to have to pay out on a claim.

This doesn’t come only from the goodness of heart of insurance companies, though. As of 2015, it’s required by law, after the State of Florida passed legislation that states insurance providers must offer discounts to those who have implemented wind mitigation techniques designed to limit damage to their property from winds and storms.

Various elements can be considered as wind mitigators, including:

• Impact windows and doors that are resistant to flying debris and strong winds.
• Roof materials that shield a house from rain and wind.
• Products that keep the walls or roofs in their proper location during a downpour.
• Wind-resistant building or roof forms.

What Do You Need for an Insurance Discount?

Impact windows were made especially to withstand significant damage from winds and debris, so they undoubtedly fit within what the state of Florida calls wind mitigation techniques. However, you need to ensure you install them properly and in the right location, as failure to do so could leave you paying more than you bargained for.

Installing the wrong type of window or failing to adequately protect all openings in your home gives insurance companies an excuse to reject a claim, leaving you alone to face the damages a storm caused.

If you don’t want to be refused coverage, going over the fine print of your insurance company is fundamental before starting with hurricane doors and windows installation.

Each insurance provider has their own ways of doing things, too, so it’s best to consult with them about what type of insurance incentives they offer and the requirements these have. They will typically require certain information or measures before giving you a discount, such as:

• An inspection report on wind mitigation.
• Every aperture on your property must be covered by the mitigation strategies you choose.
• Mobile houses are not eligible for insurance savings.
• Only wind damage covered by your policy is eligible for the insurance reduction.
• The impact windows need to adhere to the most recent version of the Florida Building Code.

Get Hurricane Windows and Doors in Jupiter, FL, and Reduce Insurance Costs

As hurricanes grow in frequency and ferocity, insurance rates are rising in all US states that are vulnerable to them, making it harder for homeowners to keep up with the fees. Although you have no control over some of the elements that determine your insurance price, you do have some control over the quality of your doors and windows.

You might anticipate paying less for insurance if you reside in a hurricane-prone area and have adequate windstorm protection. So, reach out to Palm Beach Hurricane Windows, and learn how our products can help reduce your monthly fees!